good luck trying to balance transfer to another card if you don't pay this off by the end of the interest free period - RBI customer service was truly shocking when I had one! NEVER AGAIN

Anon32

No problem and i meant the 30 months. Let me know how it goes? The customer service has been good and you can check your balance, payment and statement with sms which is really usefull. Happy so far with it all so if pre approved then why risk it

kebabbandit1

Wow! That's a bit of a kick in the nuts - I've seen a fare few reviews on this card &amp; seems to be a selected few that get it. I've got a really good credit rating &amp; don't want to risk damaging it on a whim. As you said, why get greedy over a couple of extra month 0%. Thanks! I'll take your advice &amp; apply for the MBNA end of next week - It should arrive in time for my 2 weeks off work on the 10th (highfive) :D

Anon32

I was pre approved for mbna went for m&amp;s 95% chance for the £50 voucher got rejected outright! Then went for the mbna thinking thats it my chances are shot! But got that with a £7400 but promptly reduced to £5000. Much higher than sainsburys. The sainsburys will be paid in two months and closed. Up to you! do you want to risk your chances or take what probably is a good credit limit and you will get the two and half years 0%. If you go for this i'd apply to mbna instantly if you get rejected as it cant show up on your credit file instantly. But i wouldn't be gready and just get the mbna. Mines paying for a heating system and i'm just happy its zero percent tbh with the full 20 months up to you what you do

kebabbandit1

I'm thinking of applying for this card but in 2 minds whether to go for this, or go for the MBNA at 30 month 0% purchases? It says I've been given a 9/10 chance of getting it - I was wondering how many people have been given the 32 month 0% purchase, because I really don't want the 24 month 0% purchase option. MBNA says I've been pre-approved - Decisions decisions! Has anyone got this card set up for ApplePay?

AVOID AA CREDIT CARDS AT ALL COST. I applied for this card over a month ago after seeing it on MSE. It is a good deal after all. After the online application they needed to verify my ID by sending personal documents to them verified by a doctor or solicitor. Cheeky **** sent it back and saying that my solicitor cannot be accepted. Way way to much hassle. I cancelled it and applied to the Halifax card instead. Much better service. Rant over

brown_bread

I applied for the card 2 weeks back but so far no communication. Still waiting to hear from them. 100 percent time auto decision system always go in favor of me but whenever underwriter make decisions 95 percent time application get declined. checked my credit score and report with all 3 credit reference agency , no ccj , no default but used 67 percent of available credit and no late payment in last 5 years but still refused by sainsbury loan 6500 and Tesco card but then after a week accepted by mbna 2500 and lloyds card 800 plus 1st direct bank with overdraft facility 250, also refused by Mark and spencer but accepted by virgin card 1500 limit. and only 1/4 of my income is my total credit limit. Don't know whether AA will accept me or not. What they say about credit score is not always right, because I think it's all depends on creditors own formula .

Just as I said above - in your case, as you're already a customer, AA are even more constructively difficult!

Zontes

Just got a letter from AA regarding the application. They want several items of identification sent, and have to be photocopies of original documents countersigned by a third party, such as accountant, GP, lawyer. What a piece of nonsense, never had to do anything like this before. I already have an AA credit card with a substantial balance transfer on it, surely they must know who I am!!!

mikmikmik

Good deal, just missed

whok1844

Thats clever i would not have thought of that. Thanks

ToxicNeo

​I spend £300 a month on fuel so these seems like a good option for me!

​It could but telling them folk to not get into debt might be hard as they will know best.

zombrex

Haha i'm only 28 still around 12 years from my midlife crisis, I came from a poor background so have always been frugal with money and getting by on not alot.

Go.Jets

Around £18500 for me, used them for motorbikes, cars holidays, pay it off end of the month as I would have paid cash anyway so get Tesco Points Nectar points etc. Mind you Im late 50's now, would have been a different story 35 years ago lol

zombrex

Yup it's great having the peace of mind that if something terrible happened to family and they needed life saving treatment not covered by health insurance i'd be able to access those funds to help so yep go me for living for tomorrow not just today :) Starting up a new business or buying a better home the possibilities really are endless :)

I have pasted this from my last response to an AA card deal " Please please please people don't use this card. It is okay if you plan to clear the balance over the duration of the interest free period. BUT if you want to transfer the balance from the aa card to another you can't (I couldn't and I tried three different cards; barclaycard, mbna and virgin) they said that it was because AA cards are not fully registered on the system so no way of paying them. I had to get a money transfer card use that to pay off the balance via a current account then balance transfer from the money transfer card. Trust me it was an absolute ball ache! Aa cards are part of RBI btw and the customer service agents are eegits.

matedodgy

The annual fee kills it.

gary_rip

Max spend of £3750 on "fuel" before getting to the cap then.

emmatthew

I'm not sure how they would know you purchased a gift card as long as it was purchased in the petrol station. They would just know the type of outlet (Petrol station) plus the amount to charge to your card. A bit similar to Amex deals were the T &amp; C say no gift cards but it still works.

​none thanks, I'm.a Chartered Accountant with an MBA from London Business School. Your 'advice' to people is why this country is full of people in a financial mess, quite frankly you're a grade A moron.....or a Financial advisor, not sure which. Either way, you need an Finance &amp; Economics lesson.....

manbearpig

Which part don't you understand? I can dumb it down for you

NadirZ

Halifax has better offer

robj73

Please please please people don't use this card. It is okay if you plan to clear the balance over the duration of the interest free period. BUT if you want to transfer the balance from the aa card to another you can't (I couldn't and I tried three different cards; barclaycard, mbna and virgin) they said that it was because AA cards are not fully registered on the system so no way of paying them. I had to get a money transfer card use that to pay off the balance via a current account then balance transfer from the money transfer card. Trust me it was an absolute ball ache! Aa cards are part of RBI btw and the customer service agents are eegits

I got an email stating something along the lines "Your application has been approved in principle, but we need further information from you before we can continue." Only good thing is that for some reason, their credit check hasn't appeared on my credit file with any credit agency that I can see - the only search they've done is an "identity" search. That might explain the need for documents (there's two people with my name living at my address) - to verify who it is before they run a hard check. That said, the amount of information is extortionate. We just bought a flipping car on PCP and all they needed was a driving license and employment details. Bit crazy if you ask me.

boro_boy

I got this last time and wasn't asked for any extra info. The cashback never tracked and still waiting after filing for missing cashback claim 3 months ago

LM290

I went for this a couple of months back (didn't know about the cashback) and the application process is a pain, but the 0% fee is worth the 10 minutes in the bank getting 'certified' copies. At first my bank said no and that they only do it for their own products, but after explaining my only option would be a doctor and that appointments took weeks for this type of thing *lie* they done it for me. The balance transfer went through no problem (within a day or so) and it didn't cost me anything. Everything can be done through their website so no waiting about on the phone, so I am chuffed with it TBH.

BigBuds

I didn't have a problem getting this card last time around. Accepted instantly, so it can't be everyone they ask all this info from.

Yeah, the figures don't add up... max cashback with minimum spend to get most cashback means you can't claim upper limit for the whole year, and then you have to deduct the cost of the card... So MAX net cashback is £108, or £9 per month. So, not rubbish, it IS money back... But not as good as the headline.

bradevosprint

I make £75 per week with 4% cashbask equate to £156 per yr, but its capped at £150 total cashback per yr..

Best thing is not to have a credit card at all unless you can afford to pay back in full at the end of every month. If you can't afford it then don't buy it and for those of you who find you can't pay it back in full then go get the scissors and cut your card up.

OpineDevine

I'm surprised that this isn't hotter, this is pretty much free money.

eslick

One of the reason we ended up in this mess is because banks allowed credit card customers to rack up loads of debt. It's a good thing they are reigning it back in and reality is £3800 is a good limit, I remember not long ago getting a near 20 grand limit which is stupid really :(

dannymccann

I went for a previous cashback offer of 25 quid or something, just waiting for it to become payable from TC. I have an excellent credit file and they gave me a shoddy £3800 limit, didn't even cover the amount I wanted to BT from Tesco so I had to take out another card from Virgin who were more than happy to give me over £7k, a month after being accepted for the AA card. Their mobile app isn't great either, a long way off the other mainstream providers.

Thanks guys, i'll give them a ring and see how this works out! I have the money to pay it off (Holiday fund). But need to get that onto the AA card. if this may be an easier route i look forward to any suggestions!

hukdlr

Only Santander and Halifax can give you the right answer but speaking from experience as being in debt :( for almost 8 years (not anymore, thankfully) you cannot pay off a loan from a credit card. Some credit cards like Tesco and MBNA etc allow you to transfer your credit card balance to your bank account (they call it money transfers) usually with a 4% one off fee. Then you can pay off your loan as the money is going from your account.

Steveyorkie

Not sure if you can pay the loan off with a credit card. The loan company will incur card fees. Think you need to phone and ask santander but I'm guessing it'll cost.

Deefadog

Got the card with 4k limit! happy days. Just to triple check (Sorry never done this before), i have a loan with Santander 3.8K and a Credit card with Halifax and this nice new AA CC. So i pay off the loan with the Halifax CC and then do a transfer from the Halifax to the AA CC and enjoy the interest free period? I plan to pay off the balance within the 24 months!

Sorry but cold from me! There are better cheaper options out there. As pointed out in the MoneySavingExpert link, the Halifax clarity credit card wins hands down for me. I have been using it since many years now and is perfect. No charges for using abroad and nor any charges for withdrawing cash. Works out at around £1/month in interest per £100 withdrawn. Also spend £300 and you get £5 cashback (which works out roughly 1.6%). The only thing you need to do is call the customer service before you leave and tell them that you are travelling and you will use the card in another country. They will then remove the restriction for that country (to avoid fraudulent use).

callum9999

Looks awful to me... "Unlike other payment cards, we do not use MasterCard’s exchange rates when you use your card outside of the denominated currency zone. Instead we set a fixed 'day rate' which we publish on our website, via automated phone line, and is available over the phone via customer care" Todays rate for Euros is £1=€1.1548. The current mastercard rate is £1=€1.2253, giving a mark-up of about 5.75% - and who knows what it will be tomorrow considering it changes daily with no transparent method of how it's calculated. You'd be much better off just using your normal credit/debit cards which will only mark-up about 3%, or better yet a fee-free card like the Halifax Clarity.

dealfella

stick with Kalixa. best exchange rate

richardp1980

After many years of handing our petty cash and matching receipts together the pre paid card has solved all of our issues. They can't overspend and you can manage this from your desktop. A perfect business solution and very happy.